Australia's Home Of Cheap Refrigerated Truck Finance Rates
Refrigerated Truck Loans
Whether you need a single reefer or a full cold chain fleet, our tailored solutions cover all major refrigerated truck brands — with fast approvals, tailored repayments and better terms than banks on new or used from any dealer, private seller or auction.
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Compare 80+ in seconds. Free service. No credit impact.
95%
Approval Success Rate
$380M+
Total Volume Funded
24
Hour Decisions
$0
Cost To Use Our Service
Refrigerated Truck Loans Australia
Refrigerated trucks are critical assets in food distribution, pharmaceutical logistics and cold chain supply. Securing the right finance helps you maintain fleet capability without tying up working capital.
We compare 80+ lenders to arrange competitive refrigerated truck finance for all configurations — rigid reefers and semi-trailer combinations — across Isuzu, Hino, Volvo, Mercedes-Benz and all major brands, new or used.
Why Choose Us?
- Free service with no upfront costs or hidden fees
- 30+ years experience and industry knowledge
- Australian family-owned and operated
- We save every client time and money
- No wait times, direct access to Simon every time
- We can beat bank, dealer and competitor quotes
- Fixed rates, low repayments & flexible terms
- We protect what matters—your credit score
- We build trust by being honest and transparent
- Established, new and 1 day ABNs
- Expert and strategic negotiation approach
- Solutions for various credit profiles
- Tax benefits (asset depreciation)
- Built a loyal client base due to our rates & service
- Support for the lifetime of your business
Refrigerated Truck Brands We Finance
We arrange competitive refrigerated truck finance for all makes and models.
- Kenworth refrigerated truck finance
- Freightliner refrigerated truck finance
- Mack refrigerated truck finance
- Western Star refrigerated truck finance
- Isuzu refrigerated truck finance
- Hino refrigerated truck finance
- Fuso refrigerated truck finance
- UD refrigerated truck finance
- Volvo refrigerated truck finance
- Scania refrigerated truck finance
- Mercedes-Benz refrigerated truck finance
- MAN refrigerated truck finance
- Iveco refrigerated truck finance
- DAF refrigerated truck finance
Unbeatable Rates
We're known for delivering some of the cheapest refrigerated truck finance rates in Australia, consistently beating quotes from banks, dealerships and other brokers. With our free refrigerated truck loan comparison service, we compare your current offer against leading lenders to secure lower rates and repayments. Many lenders only advertise a base rate without including fees or charges, making loans appear cheaper than they really are. That's why it's important to compare actual repayments, as they show the true cost of the loan. If you already have a quote, send it through and we'll break it down clearly, explain the structure, and help you secure a better deal with confidence.
Range Of Solutions
We provide fast refrigerated truck finance approvals and custom solutions to support your business at every stage of growth:
- No doc refrigerated truck finance
- Low doc refrigerated truck finance
- No deposit refrigerated truck finance
- Chattel mortgage
- refrigerated truck lease
- Commercial hire purchase
- Rent-to-own
- Bad credit refrigerated truck finance
- refrigerated truck loan refinance
- Used refrigerated truck finance
Why Use A Refrigerated Truck Finance Broker?
At Overdrive Funding, we do more than just find a refrigerated truck loan — we help transport businesses secure the right finance solution for their goals and cash flow. Unlike going direct to one bank, we compare 80+ lenders to give our clients more options, better flexibility, and stronger approval chances. Our focus is simple: make refrigerated truck finance faster, cheaper, easier, and tailored to your business.
Can't Be Beaten On Price Or Service
Looking for the best deal on refrigerated truck finance? We service all major cities and surrounding areas in: NSW, VIC, QLD, WA, SA, TAS, ACT and NT.
Overdrive vs Bank
Bank Rates Without the Wait
Why businesses and owner-operators bypass the bank for refrigerated truck finance:
Not every business fits a bank template. A bank gives you one rate card, one credit policy and one solution.
Overdrive Funding provides access to the major banks including 80+ lenders and a complete suite of business funding solutions. Lenders compete for your application, you choose the offer that suits.
One application. Multiple lenders. Endless possibilities.
GOING THROUGH OVERDRIVE FUNDING
MULTIPLE LENDERS, ONE APPLICATION
GOING TO BANK
ONE RATE, ONE CREDIT POLICY
Overdrive vs Broker
Not All Finance Brokers Are Equal
What makes Overdrive Funding different from a typical finance broker:
Any broker can submit an application. The difference is expertise, access, and service.
Overdrive Funding is a specialist in trucks, trailers, machinery and equipment — with relationships across 80+ lenders including specialist transport and heavy vehicle financiers most brokers don't have access to.
Our director works directly with every client. We're available 7 days a week, and we stay involved from enquiry through to settlement and beyond.
One application. Multiple lenders. Endless possibilities.
OVERDRIVE FUNDING
SPECIALIST BROKER, PERSONALISED SERVICE
TYPICAL FINANCE BROKER
LIMITED PANEL, GENERALIST APPROACH
Overdrive vs Dealership
Don't Let The Dealership Choose Your Finance
Why smart buyers arrange finance independently before stepping into a dealership:
Dealership finance is convenient — but convenience comes at a cost. Dealerships earn commission on the finance they sell you, which means the rate you're offered is rarely the best available.
Arranging finance through Overdrive Funding before you shop gives you pre-approval, negotiating power, and the freedom to choose the right deal — not just the easy one.
OVERDRIVE FUNDING
MULTIPLE OPTIONS, INDEPENDENT ADVICE
GOING THROUGH DEALERSHIP
ONE OPTION, THEIR RATE
Our Simple Process
Consult, Offer & Decide Together
Speak to one of our experts about your business needs, and we'll offer tailored finance options, ensuring we secure the best rates for your specific asset and situation. We'll go over terms and decide which is the best solution for you.
Conditional Approval
We conduct a soft-touch evaluation of your profile to match you with the right lender for pre-approval. Once you're pre-approved, you can shop confidently for 90 days. If you've found your truck, we'll initiate the process and take care of all the admin.
Sign Documents and Get Funded
When the lender is prepared to settle, you'll receive the contract for your review and signature. After settlement, it's time to pick up your asset.
On-Going Support
Once your loan is completed, we'll support you with any related admin, such as payouts, statements, etc.
Lending Panel
Access to 80+ Lenders In One Place
Access to Australia's leading commercial lenders lets us compare the market and tailor competitive, flexible finance solutions to each client\'s unique needs.
